Net Income Analysis ( % relative to Total Revenue )
Income Statement R Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 14,261 10,872
Income from Lease Financing Receivables 29 2
20 44
Estimated Tax Benefit from Tax-Exempt Loan Income 10 22
Income on Loans and Leases (TE) 14,300 10,941
Investment Interest Income (TE) 2,232 2,007
Total Interest Income (TE) 16,731 13,476
Total Interest Expense 2,468 1,063
Net Interest Income (TE) 14,263 12,338
Non-Interest Income 1,539 2,639
Adjusted Operating Income (TE) 15,802 15,335
Non-interest Expense 12,632 9,693
Provision for Loan & Lease Losses 575 524
Pretax Operating Income (TE) 2,595 4,819
Pretax Net Operating Income (TE) 2,764 4,946
Applicable Income Taxes 389 576
Net Operating Income 1,821 3,858
Net Income 1,821 3,845
Cash Dividends Declared 1,747 1,701
Retained Earnings 74 1,997